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MICHAEL WALTON
P.O. BOX 751
San Anselmo, CA 94979
(415) 456-7920
In Propria Persona

SUPERIOR COURT OF THE STATE OF CALIFORf^ t 7 1993
FOR THE COUNTY OF MARIN

HOWARD HANSON

MARIN COUNTY CLERK
By j Steele. Deputy

CHURCH OF SCIENTOLOGY )

INTERNATIONAL, a California )

not-for-profit religious )

corporation, )

)

Plaintiff, )

)

vs. )

)

GERALD ARMSTRONG; MICHAEL )

WALTON; THE GERALD ARMSTRONG )

CORPORATION, a California for)
profit corporation; DOES 1 )

through 100, inclusive, )

)

Defendants. )

_ )

I, Michael Walton, declare under penalty of perjury under the

laws of the State of California that the following recitation is

true and correct.

I met Gerald Armstrong in early 1982 when we were both working
for a law firm in Newport Beach, California. Shortly after
commencing as an associate in the firm, I saw Mr. Armstrong's name
in a Los Angeles Times newspaper. The article indicated that he
was involved in litigation with the Scientology organization. It
was my impression from the article that Mr. Armstrong had some
personal knowledge of the founder of the church, L. Ron Hubbard. As
a literature major in college, I had read some of Mr. Hubbard's
science fiction. I was aware that he shunned the public and thought

CASE NO. 157 680

RECEIVED
NOV 1 7 1993
HUB LAW OFFICES

DECLARATION OF MICHAEL WALTON
IN SUPPORT OF REPLY MEMORANDUM

Date; NOVEMBER 19, 1993
Time: 9:00 A.M.
Location: Dept. 1
Trial Date: None

of him as the Howard Hughes of science fiction. It was my curiosity
that made me approach Mr. Armstrong in the office shortly after
that to ask him if he did, in fact, know personally, Mr. Hubbard.
Within a couple of weeks after that short conversation, Scientology
set my deposition. Thereafter, Mr. Armstrong and I developed a
continuing friendship. I have also represented Mr. Armstrong in
legal matters.

In the latter part of 1989 or early in 1990, Mr. Armstrong and
I were discussing a plan whereby we could together pursue a number
of artistic, creative ventures. We decided that the most effective
and probably most successful solution would be to live in closer
proximity. At the time the discussions took place, Mr. Armstrong
was living in the Berkeley Hills and I was living in Playa del Rey,
California where I had been in private law practice for several
years.

Also at that time, Mr. Armstrong indicated that the
partnership in which he was involved, was having a difficult time
selling their Fawn Drive project which was a private residence
built on speculation and is the same residence which is the subject
of this lawsuit. While I was very interested in joining Mr.
Armstrong in attempting to develop some of the creative ideas we
had discussed and wanted to leave the Los Angeles area, I was
reliant upon my law practice to earn a living. I recognized that a
move to Marin County would most likely soon render the practice
unable to support me and that it might take years to redevelop a
client base.

Finally, Mr. Armstrong and I agreed that we would give the
association a try. I agreed to move to Marin County and to remain
there for at least one year. During that time, I would work with
Mr. Armstrong in developing a number of ideas that he already had
and to try to come up with new ones. Most of the themes for the
these projects were literary or artistic. Additionally, I would
continue to represent him in the Scientology appeal in the initial
Scientology lawsuit against him filed in 1982.

Mr. Armstrong agreed to provide the down payment for the Fawn
Drive residence and to set aside approximately $50,000 as a "house
account" which was the estimated amount to pay for the house
mortgage, insurance, taxes and repairs, etc. for one year. See
Exhibit "A" attached hereto which is Mr. Armstrong's letter to me
confirming these details.

On or about May 15, 1990, I executed a third party rider to a
Deed of Trust and a Deed of Trust obligating me in the sum of
$397,500 which is attached hereto as Exhibit "B". On or about that
day Fawn Partnership executed a Grant Deed in favor of Mr.
Armstrong and myself. A copy of that Deed is attached hereto as
Exhibit "C". I moved into the property on May 29, 1990 and have
lived there continuously since.

According to the plan, we finished the work on Mr. Armstrong's
Respondent's Brief to the Scientology appeal and worked on
developing certain literary and artistic projects. We were
successful in defending the appeal but we were not successful in
the other areas.

On or about August 1990, Mr. Armstrong confided in me that he
has been guided to renounce worldly possessions. Throughout the
next few weeks, I questioned him regarding his decision. As a
result of his responses and his continuing positive attitude
regarding his decision, I was satisfied that he was of sound mind
and good spirit. He never once mentioned an attempt to make himself
judgment proof or in any way made reference to an attempt to cheat
creditors. On or about August 14, 1990, he placed a memorandum in
my office. A copy of that document is attached hereto as Exhibit
"D". On or about August 23, 1990, Mr. Armstrong gave me another
memorandum referencing his planned actions. A copy of that document
is attached hereto as Exhibit "E".

Mr. Armstrong and I executed a Grant Deed in my favor on
August 24, 1990. A copy of that document is attached hereto as
Exhibit "F". Mr. Armstrong continued to live at the Fawn Drive
residence off and on until August, 1991.

Subsequent to the transfer by Mr. Armstrong and myself, my
wife and I refinanced the house eliminating Mr. Armstrong's name
from the Deed of Trust. A copy of the Substitution of Trustee and
Deed of Reconveyance is attached hereto as Exhibit "G".

The facts hereinabove recited are personally known to me
and if called upon to testify, I could and would competently do so.

Dated: November 17, 1993
Place: San Anselmo, CA

PROOF OF SERVICE BY MAIL
STATE OF CALIFORNIA, COUNTY OF MARIN

I am a resident of the county aforesaid; I am over the
age of eighteen years and not a party to the within entitled
action; my business address is 711 Sir Francis Drake Blvd., San
Anselmo, California 94960.

On November 17, 1993, I served the within DECLARATION OF

MICHAEL WALTON IN SUPPORT OF REPLY on the interested parties by

placing true copies thereof enclosed in sealed envelopes with

postage thereon fully prepaid, in the United States mail at San

Anselmo, California addressed as follows:

Laurie J. Bartilson
Bowles & Moxon

62 55 Sunset Blvd., Suite 2000
Los Angeles, CA 90028

Wilson, Ryan & Campilongo

235 Montgomery Street, Suite 450

San Francisco, CA 94104

Ford Greene, Esq.

711 Sir Francis Drake
San Anselmo, CA 94960

Executed on November 17, 1993 at San Anselmo, California.

I declare under penalty of perjury that the foregoing is
true and correct.

A--/

WHEN RECORDED MAIL TO

CM/RECEIVING DEPARTMENT
15851 CIAYTON ROAD
BALLWIN, MO
63011

l HCREBY CERTIFY THAT THIS IS A TRUE AND EXACT COI'T
OF THE ORIGINAL

'&JL 2 _

ESCROW OFFICER

FIDELITY NATIONAL TITLE INSURANCE COMPANY

Si,

Loan #: 525-9978917

[Space Above This Line For Ftecording Data]

DEED OF TRUST

THIS DEED OF TRUST ("Security Instrument") is made on May 14 , 19 9Q

The trustor is GERALD D ARMSTRONG, AN UNMARRIED MAN , AND MICHAEL WALTON, AN UNMARRIED MAN

The trustee is

CITTOORP SAVINGS SERVICE CORPORATION, A CALIFORNIA CORPORATION
The beneficiary is CITIBANK, FEDERAL SAVINGS BANK

("Borrower").

(Trustee).

,which is organized and existing

under the laws of The United States of America,and whose address is

180 GRAND AVENUE, OAKLAND, CA 94612 ("Lender").

Borrower owes Lender the principal sum of Three Hundred Ninety Seven Thousand Five
Hundred and No/100

Dollars (U.S. $ 397 f 500.00 )• This debt is evidenced by Borrower’s

note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt,
if not paid earlier, due and payable on June 1, 2020 , This

Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all
renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under paragraph 7 to
protect the security of this Security Instrument; and (c) the performance of Borrower’s covenants and agreements under
this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust,
with power of sale, the following described property located in MARIN County, California:

LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART THEREOF

707 FAWN DRIVE SAN ANSELMD

[Street] [City]

("Property Address");

TOGETHER WITH all the improvements now or hereafter erected on the property , and all easements, rights,
appurtenances, rents, royalties mineral, oil and gas rights and profits, water rights and stock and all fixtures now or
hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of
the foregoing is referred to in this Security Instrument as the "Property."

BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower
warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances
of record.

. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.

CALIFORNIA -Single Family- FNMA/FHLMC UNIFORM INSTRUMENT Form 3005 12/83

which has the address of
California

94960

[Zip Code]

CCL 090-0

page 1 of 4

LDoc961

Said land is situated in the County of Max in. State of California.

PARCEL ONE

PARCEL TWO as shown upon that certain Parcel Map entitled, "Parcel Map Lands of
California Land Title Portion Lands described in book 2887 of Official Records,
at page 367, also being Portion of Lots 501 and 501-A unrecorded Map of Sleepy
Hollcw Acres, Vicinity of San Anseliro, t&rin County, California, filed for record
April 8, 1976 in Volume 12 of Parcel Maps, at page 43, Iterin County Records.

EXCEPTING THEEEERCM that portion deeded to Alain Pigois and Nina Pigois, husband
and wife, as ccrncrunity property, by Deed recorded February 27, 1989, Serial No.

89 13373.

PARCEL TWO

AN EASEMENT for ingress, egress and public utility purposes described as follows:

BEGINNIN3 at a point an the centerline of Fawn Drive, said point being the most
southwesterly comer of Parcel 3, as shewn upon that certain map entitled,

"Earcel Map Lands of California Land Title Portion Lands described in Book 2887
of Official Records, at page 367, also being a portion of Lots 501 and 501-A,
unrecorded Map of Sleepy Hollow Acres, Vicinity of San Anselmo, Marin County,
California", filed for record April 9, 1976 in Volume 12 of Parcel Maps, at page
43, Iferin County Records, said point also being the intersection of the calls
"South 26° 20' East 135 feet and North 63° 40' East 20 feet" as contained in
Parcel 2 of the Deed executed by California Land Title Company, a corporation to
Michael C. McGuckin, et ux, recorded March 26, 1976 in Bock 3010 of Official
Records, at page 190, Marin County Records; thence from said point of beginning
and along the exterior boundary of said Parcel 3, North 63° 40' East 20 feet;
thence North 75° 07' 20" East 164.00 feet; thence leaving 'said exterior boundary
of Parcel 3, North 12° 41' East 85.00 feet; thence North 30° 45' West 126.00
feet, thence North 13° 30' East 79.21 feet to the northwesterly boundary of
Parcel 1, as shown upon that certain nap referred to hereinabove; thence along
the exterior boundary of said Parcel 1, South 84° 00' West 75.70 feet to the most
Northerly comer of the parcel of land described in the Deed executed by Charles
B. Robertson, et -ux, to Paul Hopkins Talbot, Jr., et ux, recorded January 30,

1956 in Bock 1002 of Official Records, at page 623, Marin County Records; thence
continuing along said exterior boundary of Parcel One, South 21° 53' 30" East
111.77 feet, thence leaving said exterior boundary of Parcel 1, South 18° 45'

East 95.06 feet thence South 21° 48* West 70.66 feet; thence South 75° 07' 20"
West 160.00 feet to the centerline of Fawn Drive; thence along the exterior
boundary of said Parcel 3, also being the centerline of "Fawn Drive, South 26°

20' East 24.46 feet to the point of beginning.

A.P. 177-122-17

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.

2 . Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay
to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") equal to
one-twelfth of: (a) yearly taxes and assessments which may attain priority over this Security Instrument; (b) yearly
leasehold payments or ground rents on the Property, if any; (c) yearly hazard insurance premiums; and (d) yearly
mortgage insurance premiums, if any. These items are called "escrow items." Lender may estimate the Funds due on the
basis of current data and reasonable estimates of future escrow items.

The Funds shall be held in an institution the deposits or accounts of which are insured or guaranteed by a federal or
state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay the escrow items.
Lender may not charge for holding and applying the Funds, analyzing the account or verifying the escrow items, unless
Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. A charge
assessed by Lender in connection with Borrower’s entering into this Security Instrument to pay the cost of an
independent tax reporting service shall not be a charge for purposes of the preceding sentence. Borrower and Lender
may agree in writing that interest shall be paid on the Funds. Unless an agreement is made or applicable law requires
interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall
give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the
purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured
by this Security Instrument.

If the amount of the Funds held by Lender, together with the future monthly payments of Funds payable prior to the
due dates of the escrow items, shall exceed the amount required to pay the escrow items when due, the excess shall be, at
Borrower’s option, either promptly repaid to Borrower or credited to Borrower on monthly payments of Funds. If the
amount of the Funds held by Lender is not sufficient to pay the escrow items when due, Borrower shall pay to Lender any
amount necessary to make up the deficiency in one or more payments as required by Lender.

Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. If under paragraph 19 the Property is sold or acquired by Lender, Lender shall apply, no later
than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of
application as a credit against the sums secured by this Security Instrument.

3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under
paragraphs 1 and 2 should be applied: first to amounts payable under paragraph 2; second to interest; and last to
principal.

4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any.
Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall
pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of
amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish
to Lender receipts evidencing the payments.

Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in
good faith the lien by, cr defends against enforcement of the lien in, legal proceedings which in the Lender’s opinion
operate to prevent the enforcement of the lien or forfeiture of any part of the Property; or (c) secures from the holder of
the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that
any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give
Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above
within 10 days of the giving of notice.

5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by fire, hazards included within the term "extended coverage" and any other hazards for which
Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires.
The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender’s approval which shall not
be unreasonably withheld.

All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgagee clause.
Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender
all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the
insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower.

Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair
of the Property damaged, if the restoration or repair is economically feasible and Lender’s security is not lessened. If the
restoration or repair is not economically feasible or Lender’s security would be lessened, the insurance proceeds shall be
applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If
Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has
offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or
restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will
begin when the notice is given.

Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments.
If under paragraph 19 the Property is acquired by Lender, Borrower’s right to any insurance policies and proceeds
resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by
this Security Instrument immediately prior to the acquisition.

6 . Preservation and Maintenance of Property; Leaseholds. Borrower shall not destroy, damage or substantially
change the Property, allow the Property to deteriorate or commit waste. If this Security Instrument is on a leasehold,
Borrower shall comply with the provisions of the lease, and if Borrower acquires fee title to the Property, the leasehold
and fee title shall not merge unless Lender agrees to the merger in writing.

7. Protection of Lender’s Right in the Property; Mortgage Insurance. If Borrower fails to perform the covenants
and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender’s
rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or to enforce laws or regulations),
then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender’s rights in the
Property. Lender’s actions may include paying any sums secured by a lien which has priority over this Security
Instrument, appearing in court, paying reasonable attorneys’ fees and entering on the Property to make repairs.
Although Lender may take action under this paragraph 7, Lender does not have to do so.

Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this
Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest
from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower
requesting payment.

CCL 090-D

page 2 of 4

LDoc9511

If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument,
Borrower shall pay the premiums required to maintain the insurance in effect until such time as the requirement for the
insurance terminates in accordance with Borrower’s and Lender’s written agreement or applicable law.

8 . Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall
give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.

9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any
condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned
and shall be paid to Lender.

In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security
Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property,
unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by
the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately
before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall
be paid to Borrower.

If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to
make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice
is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the
Property or to the sums secured by this Security Instrument, whether or not then due.

10. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower’s successors in
interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend
time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any
demand made by the original Borrower or Borrower’s successors in interest. Any forbearance by Lender in exercising
any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy.

11 . Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this
Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions
of paragraph 17. Borrower’s covenants and agreements shall be joint and several. Any Borrower who co-signs this
Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and
convey that Borrower’s interest in the Property under the terms of this Security Instrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may
agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the
Note without that Borrower’s consent.

12 . Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in
connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount
necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded
permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed
under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated
as a partial prepayment without any prepayment charge under the Note.

13. Legislation Affecting Lender’s Rights. If enactment or expiration of applicable laws has the effect of rendering
any provision of the Note or this Security Instrument unenforceable according to its terms, Lender, at its option, may
require immediate payment in full of all sums secured by this Security Instrument and may invoke any remedies
permitted by paragraph 19. If Lender exercises this option, Lender shall take the steps specified in the second paragraph
of paragraph 17.

14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by
first class mail to Lender’s address stated herein or any other address Lender designates by notice to Borrower. Any
notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as
provided in this paragraph.

15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the
Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the
Note are declared to be severable.

16. Borrower’s Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.

17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest
in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural
person) without Lender’s prior written consent, Lender may, at its option, require immediate payment in full of all sums
secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by
federal law as of the date of this Security Instrument.

If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period
of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured
by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke
any remedies permitted by this Security Instrument without further notice or demand on Borrower.

18. Borrower’s Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period
as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in
this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that
Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note had no
acceleration occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in
enforcing this Security Instrument, including, but not limited to, reasonable attorneys’ fees; and (d) takes such action as
Lender may reasonably require to assure that the lien of this Security Instrument, Lender’s rights in the Property and
Borrower’s obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon
reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if
no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under
paragraphs 13 or 17.

CCL 090-D

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LDoc9512

Third-Party Rider to Deeo J Trust

525-9978917

CITIBANK

FedtnJ Savings Bsnk

Dated_ May T4 . 19 9Q

In exchange for a valuable and sufficient consideration, in order to induce the Beneficiary of this Deed of Trust to extend credit to

GERALD D ARMSTRONG, AN UNMARRIED MAN

* as Borrowers, and recognizing that Beneficiary

would not be extending such credit except for the execution of the Deed of Trust by all of the undersigned Trustors, Trustors arc executing this Deed of Trust
to secure the above-described debts of Borrowers. The Undersigned Trustors authorize Beneficiary, without notice or demand and without affecting its rights
hereunder or the lien hereof, from time to time to (a) renew, extend, accelerate or otherwise change the time for payment of, or otherwise change the terms of
the indebtedness or any part thereof, including increase or decrease of the rate of interest thereon; (b) take and hold additional security for the payment of the
indebtedness guaranteed, and exchange, enforce, waive and release any security; (c) apply such security and direct the order or manner of sale thereof as
Beneficiary in its discretion may determine; and (d) release or substitute any one or more endorsers or guarantors. Beneficiary may without notice assign this
Deed of Trust in whole or in part. Trustors waive any right to require the beneficiary to:

(a) proceed against Borrowers;

(b) proceed against or exhaust any security; or

Beneficiary may, at its election, exercise any right or remedy it may have against Borrowers or any security held by Beneficiary, including without limitation the
right to foreclose upon any such security by judicial or nonjudicial sale, without affecting or impairing in any way the liability of Trustors hereunder except to
the extent the indebtedness has been paid, and Trustors waive any defense arising out of the absence, impairment or loss of any right of reimbursement or
subrogation or other right or remedy of Trustors against Borrowers or any such security, whether resulting from such election by Beneficiary or otherwise.
Trustors waive any defense arising by reason of the cessation from any cause whatsoever of the liability of Borrowers. Until all indebtedness of Borrowers to
Beneficiary shall have been paid in full, Trustors shall have no right of subrogation, and waive any right to enforce any remedy which Beneficiary now has or
may hereafter have against Borrowers, and waive any benefit of, and any right to participate in, any security now or hereafter held by Beneficiary. Trustors
waive all presentments, notices of protest, notices of dishonor, and notices of acceptance in connection with this Deed of Trust and of the existence, creation,
or incurring of new or additional indebtedness. Trustors assume the responsibility for being and keeping themselves informed of the financial condition of
Borrower and of all other circumstances bearing upon the risk of nonpayment of the indebtedness which diligent inquiry would reveal, and agrees that

Trustors

Third-Party Rider to Deed of Trust CCL539 (R04/90)
LDoc933

GENERAL ACKNOWLEDGMENT

NO. 201

NON-UNIFORM COVENAI' Borrower and Lender further covenant ar yee as follows:

19. Acceleration; Remedies. jLender shall give notice to Borrower prior %.u acceleration following Borrower’s
breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Paragraphs 13
and 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to
cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default
must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in
acceleration of the sums secured by this Security Instrument, and sale of the Property. The notice shall further
inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non¬
existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or
before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured
by this Security Instrument without further demand and may invoke the power of sale and any other remedies
permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in, this paragraph 19, including, but not limited to, reasonable attorney’s fees and costs of title evidence.

If Lender invokes the power of sale, Lender shall execute or cause Trustee to execute a written notice of the
occurrence of an event of default and of Lender’s election to cause the Property to be sold. Trustee shall cause this
notice to be recorded in each county in which any part of the Property is located. Lender or Trustee shall mail copies
of the notice as prescribed by applicable law to Borrower and to the other persons prescribed by applicable law.
Trustee shall give public notice of sale to the persons and in the manner prescribed by applicable law. Alter the time
required by applicable law, Trustee, without demand on Borrower, shall sell the Property at public auction to the
highest bidder at the time and place and under the terms designated in the notice of sale In one or more parcels and in
any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement
at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale.

Trustee shall deliver to the purchaser Trustee’s deed conveying the Property without any covenant or warranty,
express or implied. The recitals in the Trustee’s deed shall be prima facie evidence of the truth of the statements
made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all expenses of the sale,
including, but not limited to, reasonable Trustee’s and attorneys’ fees; (b) to all sums secured by this Security
Instrument; and (c) any excess to the person or persons legally entitled to it.

20. Lender in Possession. Upon acceleration under paragraph 19 or abandonment of the Property, Lender (in
person, by agent or by judicially appointed receiver) shall be entitled to enter upon, take possession of ana manage tne
Property and to collect the rents of the Property including those past due. Any rents collected by Lender or the receiver
shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not
limited to, receiver’s fees, premiums on receiver’s bonds and reasonable attorneys’ fees, and then to tne sums secured by
this Security Instrument.

21. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to
reconvey the property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security
Instrument to Trustee. Trustee shall reconvey the Property without warranty and witnout charge to the person or
persons legally entitled to it. Such person or persons shall pay any recordation costs.

22 . Substitute Trustee. Lender, at its option, may from time to time appoint a successor trustee to any Trustee
appointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the
Recorder of the county in which the Property is located. The instrument shall contain the name of the original Lender,
Trustee and Borrower, the book and page where this Security Instrument is recorded and the name and address of the
successor trustee. Without conveyance of the Property, the successor trustee shall succeed to all the title, powers and
duties conferred upon the Trustee herein and by applicable law. This procedure for substitution of trustee snail govern
to the exclusion of all other provisions for substitution.

23. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower’s
address which is the Property Address.

24. Statement of Obligation. Lender may collect a fee of $50.00 for furnishing the statement of obligation as
provided in Section 2943 of the Civil Code of California, not to exceed the maximum amount permitted by law.

25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together
with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into ana shall
amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this
Security Instrument. [Check applicable box(es)]

[ ] Adjustable Rate Rider [ ] Condominium Rider [ ] 1-4 Family Rider

[ ] Graduated Payment Rider [^Planned Unit Development Rider

[ JOther(s) [specify] Third

BY SIGNING BELOW, apd agrees to the terms and covenants contained in this Security

byT3orrow<fr and recorded withdt^< ^ _,

Instrument in any riderfs) executed
.

GERALD D ARMSTRONG

.(Seal)

-Borrower

.(Seal)

-Borrower

.(Seal)

-Borrower

STATE OF CALIFORNIA,

(Space Below This Line Reserved For Acknowledgement] _

ALAMEDA . County ss:

On this 16TH day of MAY ,19 90 , before me, the undersigned, a Notary Public in and

for said State, personally appeared .GERAIyD^DARMSTRONG.

or proved to me on the basis of satisfactory evidence to be the person(s) whose name(s).15.

subscribed to the foregoing instrument and acknowledged that.,H£.executed the same.

%iJLky±L£JS£

THEODORA C. BELENA

Name (typed or printed)

My Commission expires:

WITNESS my hand and official seal. Signature:

Miiiiuiiiiiiftiiiiuifiiiiiiiiiiiiiiiiiiiiiiiiiiiiimip

OFFICIAL SEAL I .

THEODORA C. BELENA §

NOTARr PUBLIC • CALIFORNIA S
ALAMEDA COUNTY jj

„ _ My Comm. Expires Mar. 29, 1993 =

REQUEST FOR RECONVEYANCE

TO TRUSTEE:

The undersigned is the holder of the note or notes secured by this Deed of Trust. Said note or notes, together with
all other indebtedness secured by this Deed of Trust, have been paid in full. You are hereby directed to cancel said note
or notes and this Deed of Trust, which are delivered hereby, and to reconvey, without warranty, all the estate now held
by you under this Deed of Trust to the person or persons legally entitled thereto.

Dated: .

CCL 090-D

page 4 of 4

LDoc9513

F ECORDIf G RtgUtbTLl) HV
MAIL TAX STATLMLNT TO

/He^

90 2963/

*1 -

I'.CUultUCU Al ncHUCil lit

pif ~'' r V N ATL -
^ ,TLE

1990 HAY 18 AH 8 ; 30

WlltN KLCORULU MAIL TO

N "~ GERALD D. ARMSTRONG

Ad4rcu 707 FAWN DRIVE

c; ty * SAN ANSEEMO, CA 94960

OrriCiAi. RECORDS

IARIN C0UHTY CALIFORNIA
JAMES J. DAL BON

ORDER NO.
escrow no.

233255-KW

992874-FA

-SPACE ABOVE RECORDER’S USE ONLY-

GRANT DEED (INDIVIDUAL

The undersigned grantor(s) dedare(s):

Documentary transfer tax is S_ 583 . 00 _

( XX) Computed on full value of property conveyed, or

( ) Computed on full value less value of liens and encumbrances remaining at time of saie.

( ) Unincorporated area ( XX) City of_ SAN AN S ELMO _-_

Tax Parcel No. 177-122-17 _

FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged,
FAWN PARTNERSHIP, A LIMITED PARTNERSHIP

hereby GRANT(S) to GERALD D. ARMSTRONG, AN UNMARRIED MAN AND MICHAEL WALTON, AN UNMARRIED
MAN, AS TENANTS IN COMMON

the following described real property in the CITY OF SAN ANSELMO

County of MARIN , State of California:

FOR LEGAL DESCRIPTION, SEE ATTACHMENT MADE A PART HEREWITH.

subscribed to the within instrument and acknowledged that__ executed the same.

WITNESS my hand and offic.al seal.

Notary Public in and for said County and State.

(Notary Seal)

FD-I3B (Rev. 9/88)

MAIL TAX STATEMENT AS DIRECTED ABOVE

2 33 2 SS

90 29637

^ S3 <25~5 'A^'

STATE OF CALIFORNIA ) (Acknowledgement)

) SS.

r.nnntynf ALAMEDA_ )

On this __L6TH_ day of _ MAY _ in the year 19 90 , before me, THEODORA C. —BELENA

a Notary Public in and for the said County and State, residing therein, duly commissioned and sworn, personally
appeared MICHAEL D. BAJO AND EDMUND G. BARRY ___

proved

(□ INDIVIDUAL)

to me on the basis of satisfactory evidence) to be the person(s):

Whose name is subscribed to this instrument, and acknowledged
that he (she or they) executed it.

<□ CORPORATION)

(S PARTNERSHIP)

Who executed the within instrument as

president and

.secretary, on behalf of the corporation therein named, and
acknowledged to me that such corporation executed the within
instrument pursuant to its articles and by-laws and a resolution of
its Board of Directors.

That _THEY_ executed the within instrument on behalf of the part¬

nership, and acknowledged to me that the partnership executed it.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal, in and for said County and State,

the day and year first above written. . rs piiuiiiiiiiiiuiiiiiimiiiiiiimimiiiiiiiiiiiiiiiiia

C , ) = XS3&X OFFICIAL SEAL 1

Notary Public in and for said County and State of California

My commission expires:

FD-1B

THEODORA C BELENA =

NOTARY PU8LIC • CALIFORNIA 3
ALAMEDA COUNTY

My Comm. Expires Mar. 29,1993 g

■ iiiiiiuiiiiiiiaiiiiiiiiiiiiiiiiiiiiiiiiiiniiiiiiiiiiB

STATE OF CALIFORNIA
County nf ALAMEDA

On this,

15TH

.day of

) ss.

MAY

(Acknowledgement)

., in the year 19 9(3 ( before me, THEODORA C . BELE NA

a Notary Public in and for the said County and State, residing therein, duly commissioned and sworn, personally

appeared ARTHUR CHARTOCK AND RICHARD RUSHTON AND LARRY ZEIDMAN ANd’

GERALD ARMSTRONG -

personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s)-

(□ INDIVIDUAL) Whose name is subscribed to this instrument, and acknowledged

that he (she or they) executed it.

<□ CORPORATION) Who executed the within instrument as _ president and

-secretary, on behalf of the corporation therein named, and

acknowledged to me that such corporation executed the within
instrument pursuant to its articles and by-laws and a resolution of
its Board of Directors.

That — THEY executed the within instrument on behalf of the part¬
nership, and acknowledged to me that the partnership executed it.
hand and affixed my official seal, in and for said County and State,

K3 PARTNERSHIP)

IN WITNESS WHEREOF, I have hereunto set r
the day and year first above writtef

hereunto set my he

'KiZj

Notary Public in and for said County and State of California
My commission expires:

FD-1B

liiiiitiiiiiiiiiimimiiiiiiiiiiiiKiimiiiiimitii

OFFICIAL SEAL

THEODORA C. BELENA

NOTARY PUOL.C • CALIFORNIA
ALAMEDA COUNTY

My Comm. Expires Mar. 29. 1993

■lllllllllllllltllltlUIIUIIiaHlIIMMIflllllUlllllia

Mill tlllllllllf lit!

90 ^ 9 6 3 7

DESCRIPTION PAGE OF ORDER NO. 233255-KW

Said land is situated in the County of Marin, State of California.

PARCEL ONE

PARCEL TWO as shown upon that certain Parcel Map entitled, "Parcel Map Lands of
California Land Title Portion Lands described in book 2887 of Official Records,
at page 367, also being Portion of Lots 501 and 501-A unrecorded Map of Sleepy
Hollow Acres, Vicinity of San Anselrro, P&rin County* California, filed for record
April 8, 1976 in Volume 12 of Parcel Maps, at page 43, Marin County Records.

EXCEPTING THEREFRCM that portion deeded to Alain Pigois and Nina Pigois, husband
and wife, as community property, by Deed recorded February 27, 1989, Serial No.

89 13373.

PARCEL TWO

AN EASEMENT for ingress, egress and public utility purposes described as follows:

BEGINNING at a point on the centerline of Fawn Drive, said point being the most
southwesterly comer of Parcel 3, as shown upon that certain map entitled,

"Parcel Map Lands of California Land Title Portion Lands described in Book 2887
of Official Records, at page 367, also being a portion of Lots 501 and 501-A,
unrecorded Map of Sleepy Hollow Acres, Vicinity of San Anselmo, Marin County,
California", filed for record April 9, 1976 in Volume 12 of Parcel Maps, at page
43, Phrin County Records, said point also being the intersection of the calls
"South 26° 20' East 135 feet and North 63° 40' East 20 feet" as contained in
Parcel 2 of the Deed executed by California Land Title Canpany, a corporation to
Michael C. McGuckin, et ux, recorded Pferch 26, 1976 in Bock 3010 of Official
Records, at pace 190, Iferin County Records; thence from said point of beginning
and along the exterior boundary of said Parcel 3, Narth 63° 40' East 20 feet;
thence North 75° 07' 20" East 164.00 feet; thence leaving said exterior boundary
of Parcel 3, North 12° 41' East 85.00 feet; thence North 30° 45' West 126.00
feet, thence North 13° 30' East 79.21 feet to the northwesterly boundary of
Parcel 1, as shown upon that certain map referred to hereinabove; thence along
the exterior boundary of said Parcel 1, South 84° 00' West 75.70 feet to the most
Northerly comer of the parcel of land described in the Deed executed by Charles
B. Robertson, et ux, to Paul Hopkins Talbot, Jr., et ux, recorded January 30,

East 95.06 feet thence South 21° 48' West 70.66 feet; thence South 75° 07' 20"
West 160.00 feet to the centerline of Fawn Drive; thence along the exterior
boundary of said Parcel 3, also being the centerline of "Fawn Drive, South 26°

20' East 24.46 feet to the point of beginning.

A.P. 177-122-17

^ S'

'.y ^

?^o

•z 2 -

2^7

z~?

GV ,

• cnD j>

/r*-~

f- A

J A*

\k ; mP

RECORDING REQUES1ED BY

AND WHEN RECORDED MAIL THIS DEED AND. UNLESS
OTHERWISE SHOWN BELOW. MAIL 'AX STATEMENTS TO

p MICHAEL L. WALTON

name 70 7 FAWN DRIVE

ADoftfss SAN ANSELMO , CA 9 4 9 60

CITY
STATE
7 i?

Title Order No. .

; . ! 't I] i

• y j a \\w / - . »*. • •, .

.••VA\VwU\V/eVyy>>//^.rxtXtXVi»IxV>:

RECORDED AT REQjJEST Of

AS SHOWN

I I o

. Escrow No.

GRANT DEED

MARIN CCuHirC ‘UrlAiH

-SPACE ABOVI

illo v- i<hL

DOCUMENTARY TRANSFER TAX S #°/ GIFT _

□ computed on lull value of property conveyed, or

□ computed on lull value less liens and

/ encumbrances remaining at time^of sale. __

Signature of Declarant or Agent Deternfimng Tax Firm Name

OmSIUEmATIGm, receipt of which is acknowledged. 1 (We), GERALD D. ARMSTRO IA. '
UNMARRIED MAN AND MICHAEL WALTON, AN UNMARRIED MAN , |na AS ^TENANTS IN

- L. WALTON, AN UNMARRIED MAN

yi cm *U —LA HAA —2 -1-;---

(name ol oraniee(s))

all that real property situated in the City of SAN ANSELMO _

(or in an unincorporated area ot)_ MARIN _ County, Catifcrnvi

(name ol County)

described as follows (insert legal description):

FOR LEGAL DESCRIPTION, SEE ATTACHMENT "A" MADE A PART HEREWITH

Assessor's parcel No. 177-122-17

On this 1 4 Jcl day ol in the year 19.5,5.. belore me.

the undersigned, a Notary Publcm and tor said State, personally appeared

.h -• j^stJLd ^ —h _JLj_

, jt- t, Au <UUC^—

_.. personally known to me

(or proved to me on the basis ol satisfactory evidence) to be the person^
whose nainpX (Isl*, subscribed to the within instrument, and acknowl¬
edged to me that^.he^.executed it.

WITNESS my hand and official seal.

, " x kL

Notary Public in and loi said Slate.

MAIL TAX

STATEMENTS TO AS DIRECTED ABOVE

OFFICIAL SEAL
H. VB HUNTER
Notary Public -Caiitornia
MARIN COUNTY

My Cor. vn. Exp, uan. 9 .J9 91 (

(This area tor oflicial notarial seal)

NAME

AnnRESS

WDI rnTTq mRU 77fl-n*v J?-«S iPnro rlacc “11

GRAN i uttu

Belore you use Ihis lorm. read tl. fill in all blanks, and r.ake whate.c' changes are apprep'rate and necessary 12 yet'
P* r liCU*V IriMwtmr* C nno.lt a liwv*( it you dOubl ,h * m*m «. I.v vr*,ui n.rffvu# a.nrt ..«» V.'r.'rtRt r *. * *

representation or warranty, express or impliod. wiih respect to me .7*".r.antab'My or liinji* c* : •• . - .
intended use or purpose

JL?')

recorded at request of

FIRST AMERICAN

Rec Fee
Check

10 . 00
10. 00

WHEN

' 7VM

RECORDED,

-jjuks

RETURN TC

>f tLMJUh

92-002033

Recorded

Official Records
County of
MARIN

JAMES DAL BON

Recorder

8:00am 14-Jan~92

MS 1

SUBSTITUTION OF TRUSTEE AND DEED OF RECONVEYANCE

THE UNDERSIGNED IS THE OWNER OF THE NOTE SECURED BY THE DEED OF
TRUST DATED MAY 14. 1990 . GERALD D. ARMSTRONG. AN UNMARRIED MAN,
AND MICHAEL WALTON. AN UNMARRIED MAN . AS TRUSTOR(S), TO CITICORP
SAVINGS SERVICE CORPORATION . AS TRUSTEE(S), FOR CITIBANK . AS
BENEFICIARY, RECORDED ON MAY 18. 1990 . IN BOOK N/A . PAGE N/A .
INSTRUMENT NUMBER 90 29638 . MARIN COUNTY, CALIFORNIA.

SAID OWNER HEREBY SUBSTITUTES CITICORP MORTGAGE, INC., A DELAWARE
CORPORATION, AS TRUSTEE IN LIEU OF THE ABOVED NAMED TRUSTEE UNDER
SAID DEED OF TRUST.

CITICORP MORTGAGE, INC. HEREBY ACCEPTS SAID APPOINTMENT AS
SUCCESSOR TRUSTEE AND PURSUANT TO THE REQUEST OF SAID OWNER AND IN
ACCORDANCE WITH THE PROVISIONS OF SAID DEED OF TRUST DOES HEREBY
RECONVEY WITHOUT WARRANTY TO THE PERSON(S) LEGALLY ENTITLED THERETO
ALL ESTATE NOW HELD BY IT UNDER SAID DEED OF TRUST.

CITICORP MORTGAGE, INC. ATTORNEY IN FACT FOR SECURITY NATIONAL
TRUST COMPANY (NEW YORK), AS TRUSTEE, CITICORP MORTGAGE, INC.

STATE OF MISSOURI

)

) ss

ON NOVEMBER 18, 1991 BEFORE ME, THE UNDERSIGNED, A NOTARY PUBLIC IN AND FOR SAID
STATE, PERSONALLY APPEARED MARSHA A. KOVECSI AND JULIA A. WREN EACH AN ASSISTANT
SECRETARY OF CITICORP MORTGAGE, INC. ATTORNEY IN FACT FOR SECURITY NATIONAL TRUST
COMPANY (NEW YORK), AS TRUSTEE, PERSONALLY KNOWN TO ME ON THE BASIS OF
SATISFACTORY EVIDENCE TO BE THE PERSON (S) WHO EXECUTED THE WITHIN "SUBSTITUTION
OF TRUSTEE AND DEED OF RECONVEYANCE" INSTRUMENT AND ACKNOWLEDGED TO ME THAT SUCH
CORPORATION EXECUTED THE WITHIN INSTRUMENT PURSUANT TO ITS BY-LAWS OR A
RESOLUTION OF ITS BOARD OF DIRECTORS.

WITNESS MY HAND AND OFFICIAL SEAL.

iiAh-c* i _

NOTARY PUBLIC

CMI, P.O. BOX 790002, ST. LOUIS, MO 63179-0002
PREPARED BY: PAT FARRAR

D. O'BRiFN

NOTARY PUBLIC—S fATP OP MISSOURI

.. O! LOUJGCO’JMTV
MYCOMMiSSIC'T tXPIfiL '3 MAY |g ig 95

£ p/;-, ■;

1 o

^ NOTARY

ov
V*
. O ’

SEAL /'£/

•V^/ s >.

'%£ Of- MV-^' S

HIllllV

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